Credit Repair Options

Credit Repair Sample Letters

Sometimes phone calls work. Sometimes email and electronic internet forms get the job done, too. Sometimes, however, nothing works better than a good old hard copy of a letter written to resolve a problem.

If credit repair is the problem you're tackling, think about writing letters. Letters provide a paper trail that documents every aspect of a problem-solving strategy. Letters provide the perfect evidence that you are diligently working to solve a problem and that you expect a respectable response in a timely manner. The letter recipient will know that they are being monitored, that their actions, or lack thereof, are being documented, too. If worse comes to worst, judges like to see letters to document the evidence in courtroom cases.

Don't fret over the gist of the letter you need to write. It's the details that you need to worry about. To get some excellent ideas from the most effective credit repair sample letters, turn to the internet.

There are numerous sources of credit repair sample letters to choose from. They cover everything from a forgotten payment to bankruptcy.

An internet search will turn up thousands of websites where sample letters are sold but it isn't necessary to purchase these templates. You'll want to personalize the basic form letter to address your particular circumstances anyway so don't spend money on something readily available for free.

You'll find credit repair sample letters that are appropriate to send to your creditors explaining late or missed payments, asking for new repayment terms. or lowered interest rates. There will be samples of letters to send to credit reporting agencies if a discrepancy appears in your file or if any disputes with your creditors are threatening your credit score. There are even letters you can send to collection agencies that tell them in no uncertain terms to get off your back or you'll be happy to discuss their continued harassment in a court of law.

Any credit repair sample letters are just that - samples. Treat them as templates, guidelines that provide words you might not be able to come up with yourself, but do alter the details to reflect your individual situation. No two consumers are facing the exact same situation so no sample letter will be an exact match to meet your needs.

Pick and choose from the many credit repair sample letters available to you for free. Some letters you might feel free mailing with first class postage but others may work better for you if you send them via certified mail, with a return receipt so you'll know they received the letter, or even with provisions that only a specific person can walk away from the post office with your letter. These enhanced services will cost extra but they are often a wise investment when you suspect the recipient would rather not be getting your letter.

Perhaps the most important thing you can do with anything you mail as a result of the coaching you'll get from credit repair sample letters is to keep a copy of the finished letter for your own files. Keep a copy in a file devoted to the individual creditor or credit reporting agency and add to this file every time you have or make contact with the party in question. This is how you build a paper trail that becomes indisputable, even if the situation becomes nasty enough to require litigation.